> Though with a three week delay that's probably not what's happening here. If a deposit is fraud, the banks are accountable to reverse it when discovered (ins

> Though with a three week delay that's probably not what's happening here. If a deposit is fraud, the banks are accountable to reverse it when discovered (inside applicable statutes of limitations for financial fraud), and you as account holder agreed to that when you signed up. Only rarely do banks on the ends have to eat the amount instead of one of the account holders. No money given to you incorrectly through a bank is yours (unless your lawyers are better with more staying power than theirs, because in practice, contracts are basically irrelevant when litigated with sufficient will and skill).